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Personal loans in Finley, ND

Two households in Finley with comparable incomes can still be offered different rates; the city's 391 residents are not the reason. A single loan can carry different costs on either side of a state line, and Finley sits on the North Dakota side of that line. The Census estimates 391 residents in Finley, which ranks it 103rd of 355 places in North Dakota. Price two or three terms so you can see which payment is truly affordable in Finley. Population in Finley dropped about 2.2% over the three years from 2020 to 2023. The closest larger city is Cooperstown, ND about 14 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Finley

Here is the sourced Census picture for Finley, plus the North Dakota lending rules that apply to a loan taken out here.

Getting a loan in Finley

With about 112 residents per square mile, Finley is lightly settled, and 14 larger Census places sit within 50 miles. Whether Finley has a local branch or not, a North Dakota-licensed lender can serve its 391 people online on the same terms. For a larger market, the closest option is Cooperstown, ND about 14 miles away.

North Dakota rules behind a Finley personal loan

Below are the North Dakota rules that apply to a loan made in Finley, each with the regulator that issued it.

RuleDetailSource
State lending regulatorNorth Dakota Department of Financial Institutions (NDDFI)
Source says: "The Department also licenses and regulates Money Brokers... Deferred Presentment Service Providers (Payday Lenders), Collection Agencies, Debt Settlement Service Providers, and Money Transmitters."		North Dakota Department of Financial Institutions
as of 2026-09-16
Payday lending statusLegal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer.
Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3).		North Dakota Legislative Branch
as of 2026-09-16
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).		North Dakota Legislative Branch
as of 2026-09-16

How Finley compares across North Dakota

Finley is the 103rd-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 200th of 355 North Dakota places, putting it near the 44th percentile for growth. By density, at about 112 people per square mile, it ranks 287th in North Dakota. In land area, Finley ranks 23rd among North Dakota's 355 places.

Land, water and location for Finley

Finley covers about 3.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 391 residents, the land area yields roughly 112 people per square mile. The largest place in North Dakota, Fargo, lies about 65 miles away. Within 50 miles of Finley there are 14 larger Census places. The 100-mile radius contains 73 larger places.

What a Finley borrower is actually offered

In Finley, a small community of about 391, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Finley's rank of 103rd in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Finley loan is knowable in advance — unlike a revolving card balance.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Finley if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Finley is the same as anywhere in North Dakota.
What loan size can I expect in Finley?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Finley?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Finley cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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